Use this letter to help you negotiate a full and final settlement offer with a creditor. Guide and free template to craft an effective settlement demand letter.I can confirm that I am unable to offer to pay in full what I owe. And I want to offer this as an ex-gratia payment in full and final settlement of the account. Below is a sample settlement letter from the paying agency to the OAG authorizing the settlement or judgment and amount of the claim. Write an effective settlement demand letter. Get tips on structure, key elements, and a free template to negotiate your legal disputes. What things should be included in the Full and Final Settlement Letter? Below, we've created an example of a debt settlement proposal letter that you can use as a guide. Your letter can be sent via your preferred contact method.